Macy’s Credit Card Benefits
- The payment in the tor will get much faster
- Cardholders will b able to get almost a 20% discount while they are taking help from the credit card.
- Also, they will be able to save almost 100 dollars if they are pinning in the market.
Full Answer
How to get approved for Macys credit card?
- at restaurants including food delivery
- at gas stations & supermarkets
- everywhere else
Who finances Macy's credit card?
The Macy’s Credit Card is powered by Citibank, and you can now apply for the card online. If you’re looking for a Macy’s rewards card that can be used anywhere, consider getting the Macy’s American Express Card. What bank issues Macy’s store card?
Does Macys accept check payments?
You can still pay with a personal check at grocery stores, department stores, and more. For ALL of them you need a STATE ID. A few of the stores that will accept a personal check as payment are: Hobby Lobby, Barnes and Noble, Kmart, Kohl’s, Macy’s, Dollar Tree, Meijer, Publix, The Home Depot, Walgreens, and Costco.
Is Macys credit card good?
While some store credit cards can be light on benefits, the Macy's Credit Card offers a few good ones. The Macy's Credit Card and the Macy's American Express® Card earn points on Macy's purchases. The number of points you earn depends on your Macy's Star Rewards status:
What is the Star Rewards program at Macy's?
What is the highest tier of Macy's?
How many Macy's stores are there?
What color are Platinum cards?
Does Macy's have a credit card?
Does Macy's accept American Express?
See more
About this website
Do you get a discount when you use your Macy's card?
Like many store cards, the Macy's credit card comes with a discount when you open it: You get 20% off, up to a total discount of $100, on purchases made the day you are approved for the card, as well as the following day. (The discount excludes some purchases, including Apple products and gift cards.)
Can I use Macy's credit card anywhere?
The Macy's Credit Card is a store card, which means you can only use it at Macy's properties. If you prefer a full-use credit card to use on spending outside of Macy's, there is a Macy's American Express Card, which offers 1% to 3% back on purchases at gas stations, supermarkets, restaurants and more.
Does Macy's credit card have an annual fee?
Platinum status offers 5% back in rewards on all Macy's purchases made on the card, among other benefits. No annual fee: Macy's American Express Card charges no annual fee.
How Does Macy's card work?
The Macy's Credit Card is a basic store-loyalty card. It rewards frequent shoppers of the retailer with store credit that can be used on future purchases. It unlocks special discounts and promotions that will either give you additional incentive to shop there or save you money, if you already frequent Macy's.
Can I use my Macy's card at Target?
The Macy's Store Card can't be used anywhere. It can only be used at Macy's and macys.com.
What is the highest credit limit for Macy's credit card?
Most cardholders report Macy's card credit limits ranging from $500 to $2,500. In general, credit card limits vary, based on three main factors: your credit score, your income and your current credit utilization ratio.
Does Macy's card affect the credit score?
A retail card doesn't just affect your scores by spiking your credit usage. When you apply for new credit, you typically get hit with a hard inquiry when the issuer pulls one of your credit reports. A hard inquiry can stay on your credit report for about two years.
What is the $2 fee on Macy's credit card?
We will not charge you any interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.
How long do you have to pay off Macy's card?
Yes, the Macy's Credit Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Macy's Credit Card statement balance in full every month, Department Stores National Bank will not charge any interest.
What credit score is needed for a Macy's card?
Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
What bank is Macy's credit card?
Department Stores National BankDepartment Stores National Bank (“DSNB”) is the issuer of the Macy's Credit Card and the Macy's American Express Card.
What is the minimum payment for Macy's credit card?
$29The Macy's Credit Card minimum payment is $29 or 1% of the statement balance, plus fees, past-due amounts, and interest - whichever is higher. If the statement balance is less than $29, the Macy's Credit Card minimum payment will be equal to the balance.
How does the Macy's Credit Card work?
This depends on which Macy’s card you have, and the Star Rewards Program status at which you’re currently placed. If you have a basic Macy’s Credit...
Is the Macy's Credit Card easy to get?
That depends on which Macy’s card you’re hoping to get approved for. Prospective cardholders submit 1 application for a Macy’s card. The applicant...
Does the Macy's Credit Card have an annual fee?
No, neither the basic Macy’s store card nor the Macy’s American Express® Card has an annual fee. You’ll want to be careful with the high purchase A...
Can I pay my Macy's Credit Card in-store?
You have a number of options when paying your Macy’s credit card: in-store at any Macy’s register, online (you can also enroll in autopay), via the...
Which bank issue's the Macy's Credit Card?
The Macy’s credit cards (both the basic store card and the American Express card) are issued by Citibank.
Macy's Credit Cards & Rewards Program - Worth It? [2022]
In this article, we review the basic Macy's credit card, the Macy's American Express® Card, the Macy's Star Rewards Program (including how your card benefits are linked to your program status), the fees and drawbacks, online account management and more.
Macy's Complaints
Macy's. Macy's, originally R. H. Macy & Co., is a department store owned by Macy's, Inc. It is one of two divisions owned by the company, with the other being Bloomingdale's.
Macy's Credit Card Amex Card Customer Service Phone Number
The #2 phone number for Macy's Credit Card Amex Card Customer Service with tips to quickly reach and to call a live Macy's Credit Card support rep. If you're going to to call an agent at 877-204-7996 be sure to read here for the best way to do it with alternatives and shortcuts.
Macy's Customer Service Phone Number & Hours - ForLocations
It took me 1.5 years 12 emails, and 10 calls to get a duplicate charge removed from my credit card. The biggest problem with Macy's customer service and dispute department is, all of the agents are NOT native English speakers.
What is the Star Rewards program at Macy's?
Macy’s revamped its Star Rewards member loyalty program in 2017. It now offers three different levels (silver, gold, and platinum) of benefits for its cardholders, based on how much they spend on an annual basis. 8 Macy's claims its changes have had beneficial results, with spending by those in the top platinum tier up 10%. 9
What is the highest tier of Macy's?
Platinum: This is the highest tier possible and is only available for customers who spend ‘$1,200 or more each year at Macy's stores. These customers receive all the perks offered in the silver and gold tiers, and they also earn 5% back in rewards on every purchase. Unlike the Silver and Gold cards, which are in the retailer's trademark red color, ...
How many Macy's stores are there?
1 In total, the company has 775 stores in operation, according to its annual report.
What color are Platinum cards?
Unlike the Silver and Gold cards, which are in the retailer's trademark red color, Platinum cards are platinum colored. New accounts enter the Silver tier.
Does Macy's have a credit card?
Macy's has two types of credit cards: a regular Macy's card and a Macy's American Express Card. All Macy's/Macy's AmEx card purchases enroll cardholders in the retailer's three-tier Star Rewards loyalty program, whose perks include discounts on purchases, free shipping and rewards refunds. You can earn points in Macy's loyalty program without ...
Does Macy's accept American Express?
The Macy’s credit card can only be used at any Macy’s or Macy’s Backstage store, or online; it cannot be used at any Bloomingdale’s. The Macy’s American Express card can be used anywhere that American Express is accepted. Customers can apply for the Macy’s credit card online or in-person at a store, and should expect to give the personal information usually given when applying for a credit card. 5 6 7
How long does it take to upgrade to Gold at Macy's?
Once a cardmember spends $500+ on their Macy’s card, they will be upgraded within 30 days to Gold status. Similarly, once a cardmember spends $1,200+, they will be upgraded to Platinum status within 30 days. Interestingly, Macy’s reports the following updates to the program to be instated as of January 2019:
How long has Macy's been around?
Macy’shas been around for over 150 years as a mainstay in the upper echelons of the American department store society. Just the name “Macy’s” conjures up visions of upbeat ads for clothing and household wares, and memories of Thanksgivings spent watching massive floats parade through the streets of New York City.
Can you earn points with a Silver or Gold card?
Otherwise, with Silver or Gold status, you’ll only earn points on specific days vs. everyday (a benefit many other rewards-based credit cards would offer). Similarly, if you don’t have the American Express version of this card, you’ll only earn at Macy’s and can’t utilize your card anywhere else.
Does Macy's upgrade to American Express?
Upgrade Opportunities. Macy’s states that it’s possible for an individual with a basic Macy’s Credit Card to eventually be issued an upgrade to the American Express version of the card. Neither Macy’s nor American Express (or Citibank for that matter) cite the exact qualifications for this upgrade.
What are the rewards for Macy's?
Macy’s credit cards come with a tiered reward rate, meaning rewards correlate to how much you spend at the retailer: 1 Silver: When you first open a Macy’s credit card, you receive silver status, which earns 2% back on Macy’s purchases. The status applies to those who spend between $1 and $499 a year on the card. 2 Gold: Cardholders who spend between $500 and $1,199 are upgraded to Gold status, which earns 3% back on Macy’s purchases. 3 Platinum: The highest level, Platinum, earns 5% back on Macy’s purchases. You must spend $1,200 or more annually at Macy’s to maintain that status.
What is the difference between Gold and Silver on Macy's?
Gold: Cardholders who spend between $500 and $1,199 are upgraded to Gold status, which earns 3% back on Macy’s purchases.
How much is a star money reward at Macy's?
After you collect 1,000 points in your account, you will receive a $10 Star Money reward, which you can use to make purchases at Macy’s either in-store or online. (That means each point is worth 1 cent each.) The rewards cannot be put toward gift cards, Macy's Beauty Box subscriptions or services such as alterations.
Why should every purchase be on a credit card?
by Virginia C. McGuire, Paul Soucy. Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. And no, you don't have to go into debt, and you don't have to pay interest. Explore Credit Cards.
How long is Star Money good for?
You also face a limited window to use the rewards: Star Money is valid for only 30 days after it’s issued. Relative to other credit card rewards programs, that is a very short redemption window.
What items are excluded from Macy's birthday card?
Some items are excluded, though, such as furniture, mattresses and rugs. Also, every year on your birthday, you'll receive a birthday “surprise,” as long as you’ve used your card to make a purchase at Macy’s (either in-store or online) in the last 12 months.
Does Macy's have an annual fee?
Neither card comes with an annual fee. 2. The rewards rate depends on how much you spend at Macy’s. Macy’s credit cards come with a tiered reward rate, meaning rewards correlate to how much you spend at the retailer: Silver: When you first open a Macy’s credit card, you receive silver status, which earns 2% back on Macy’s purchases.
Full Macy's Credit Card review
This credit card is a good fit for: Macy's devotees who shop at the department store on a monthly basis.
How Macy's Star Rewards works
The Macy's Star Rewards program has Bronze, Silver, Gold, and Platinum statuses, and benefits vary for each one. When you have a Macy's Credit Card, you get to jump past Bronze and start with Silver. Here are the rewards rates and spending requirements for each status:
Suggested credit score
Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
Alternatives to consider
If you want bonus rewards on big expenses: The Blue Cash Preferred® Card from American Express offers the highest rate we've seen for U.S. supermarkets: 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year. It also offers 6% back on select streaming services and 3% back at U.S. gas stations. Terms apply.
The Macy's Credit Card is right for you if
You shop at Macy's every month and you spend at least $500 per year there. It may also be a good fit if you're working on increasing your credit score.
About the Author
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
What is the Star Rewards program at Macy's?
Macy’s revamped its Star Rewards member loyalty program in 2017. It now offers three different levels (silver, gold, and platinum) of benefits for its cardholders, based on how much they spend on an annual basis. 8 Macy's claims its changes have had beneficial results, with spending by those in the top platinum tier up 10%. 9
What is the highest tier of Macy's?
Platinum: This is the highest tier possible and is only available for customers who spend ‘$1,200 or more each year at Macy's stores. These customers receive all the perks offered in the silver and gold tiers, and they also earn 5% back in rewards on every purchase. Unlike the Silver and Gold cards, which are in the retailer's trademark red color, ...
How many Macy's stores are there?
1 In total, the company has 775 stores in operation, according to its annual report.
What color are Platinum cards?
Unlike the Silver and Gold cards, which are in the retailer's trademark red color, Platinum cards are platinum colored. New accounts enter the Silver tier.
Does Macy's have a credit card?
Macy's has two types of credit cards: a regular Macy's card and a Macy's American Express Card. All Macy's/Macy's AmEx card purchases enroll cardholders in the retailer's three-tier Star Rewards loyalty program, whose perks include discounts on purchases, free shipping and rewards refunds. You can earn points in Macy's loyalty program without ...
Does Macy's accept American Express?
The Macy’s credit card can only be used at any Macy’s or Macy’s Backstage store, or online; it cannot be used at any Bloomingdale’s. The Macy’s American Express card can be used anywhere that American Express is accepted. Customers can apply for the Macy’s credit card online or in-person at a store, and should expect to give the personal information usually given when applying for a credit card. 5 6 7
